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We're here to pave the way to your next auto loan

Our new and used auto loans offer fixed rates and flexible terms. We offer financing up to 84 months1 for new auto loans and up to 72 months1 for used auto loans. Plus, we offer special features for the education community:

  • No payments for 90 days2
  • Summer Skip Payment Option in July and August3
  • Bi-weekly or monthly payments to fit your budget

Refinancing your auto loan

If you already have an auto loan with another financial services provider, compare their rate to our rates.  There's a good chance we can save you money.  All you need to do is refinance your auto loan with us.  Your auto loan can be financed as a new vehicle if it was purchased within the last six months and is the current year model.  All you need to provide is the vehicle title and purchase order.

Shopping for a new or used vehicle 

Before you go car shopping, get pre-approved for your new or used auto loan.  Having a pre-approval gives you greater negotiating power at the dealership and can help you stay on budget.  If you prefer to have us shop for you, then take advantage of our Auto Buying Service. We'll even negotiate the price with the dealer.

Here to help

We're ready to help you get the financing you need.4 Apply online, call 301.779.8500 or visit any branch.

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Helpful tip
We provide loan protection products including debt protection, Guaranteed Asset Protection (GAP) and an extended warranty. With your membership, you can also save with discounted insurance through Nationwide® Insurance and TruStageTM.
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1 Applications are subject to credit qualifications and approval. Actual rate is based on your credit history. Must meet membership eligibility requirements. For a 84-month term, a minimum loan amount of $35,000 is required. For a 72-month term, a minimum loan amount of $15,000 is required. Visit esfcu.org for more information.
2 Interest will continue to accrue during the 90 days deferred period.
3 Interest will continue to accrue during July and August when payments are skipped. Once you make your loan payment in June, the loan due date will automatically advance to September.
4 Applications are subject to credit qualifications and approval. Actual rate is based on your credit history. Must meet membership eligibility requirements.